expressPay vs UMB SpeedApp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
expressPay
Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.
- Instant money transfers
- Mobile money and bank account transfers
- Instant airtime purchases
- Instant internet data purchases
- Merchant and service provider payments
- Multiple payment methods accepted
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Instant money transfers Send money instantly in just a few taps. Send directly to Airtel Money, MTN mobile money, Tigo Cash, Vodafone Cash or to a bank account! Your days of visiting the bank branch to make a deposit are over. Tap, tap, tap and you’re done! Instant airtime purchases Buying topup is a breeze with expressPay. Topup any network in a matter of seconds. Airtel, Glo, MTN, Tigo Vodafone, you’re covered! Instant internet purchases Need data? Get connected in seconds by purchasing your internet data with expressPay. 4G and 3G services are all covered. Paying for your data should be as easy as 1,2,3. Pay with ease Make payments to your favorite merchants and service providers with ease. Merchants get notified instantly. You can pay any way you like. If it’s digital, expressPay has you covered. expressPay accepts Visa, MasterCard, MTN mobile money, AirtelTigo Money and Vodafone Cash.
UMB SpeedApp
Manage your bank accounts and perform financial transactions conveniently and securely. Monitor your accounts in real-time, pay bills, transfer funds, and access various banking services through this digitized channel.
- Check account balances
- View transaction history
- Airtime top-up
- Bill payment
- Request services
- Funds transfer
- Loan services
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Full Description: Enjoy convenient and secure banking with this innovative digitized channel. The available services offer flexibility with account management and the ease of executing financial transactions seamlessly. Customers benefit from real time account monitoring in a secure and simplified way. Some of the key features of the UMB SpeedApp include the following: Check Account Balances -Check Transaction History -Airtime top up for Self & Others -Bill Payment Services -Request Services – Statement, Cheque Book, etc. -Locate Us – Branch & ATM -Product Information -Bancassurance Services -Funds Transfer Services -Loan Services -Investment Services -Card Services -Standing Order Services -Forex Rates -My Profile
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against UMB SpeedApp's 2.9. expressPay also leads on review sentiment (58% vs 17%). UMB SpeedApp's advantage is iOS requirement (11.1 vs 15.0). On price, ratings volume, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
expressPay holds the better App Store score, 4.1 against 2.9. Both are backed by a comparable volume of ratings — 114 and 64 respectively. Written reviews point the same way: 58% of expressPay's written reviews are positive against 17% of UMB SpeedApp's.
expressPay ships an update every 5 months, UMB SpeedApp every 3 months. The most recent releases landed on September 20, 2026 and September 28, 2026 respectively.
| Parameter | expressPay | UMB SpeedApp |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (114 ratings) — better | 2.9 (64 ratings) |
| Positive reviews | 58.3% of reviews — better | 16.7% of reviews |
| Number of ratings | 114 — better | 64 |
| Update frequency | Every 5 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 11.1 — better |
| Further details — not scored | ||
| Size | 78 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | expressPay Ghana Limited | Universal Merchant Bank Ltd |
Customer experience
expressPay
UMB SpeedApp
Bugs and requests
expressPay
Reported bugs
9 issues- History keeps reappearing after deleting
- App crashes when profile menu is selected
- Cannot change subscriptions without app crashing
- Cannot load money on the app
- SMS code not received for registration
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- Password incorrect error, but new password matches old
- Request timed out error after update
- Login challenges after updates, even with 'remember me' ticked
- Mobile money transfer not working for Vodafone broadband with MTN
Requested features
15 requests- Add foreign cards
- Add payment reference/notation for Mobile Money
- Add chat and request sections
- Create ExpressPay QR code for payments
- Add passcode or fingerprint security feature
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- Add iTunes gift card as payment method
- Add Glo network support
- Add PIN number option for app login
- Add Fidelity Bank Ghana to Bank Direct option
- Add ability to send money from USA to Ghana
- Add support for Amex cards
- Add scheduled payment page functionality
- Add profile menu functionality
- Add a back button on certain areas
- Add option to use PIN as password for app
UMB SpeedApp
Not enough reviews yet to summarise bugs or requests.
In-app purchases
expressPay
No in-app purchases
UMB SpeedApp
No in-app purchases
